In-home care can relieve the burden and stress of trying to do it all, including caring for an aging parent or relative, caring for your own family, and working full-time. Many caregivers have to reduce their work hours to part-time to accommodate the increasing need for care.
In-home care can provide you and your loved one with a solution. You can hire a caregiver to work part-time or full-time, depending on your schedule. If you need a break for a few hours or a few days, you can hire an aide for respite care. There are several ways to pay for in-home care in Columbus.
As of 2014, as many as 15.5 percent of Ohio’s population was made up of seniors age 65 and older.
There are approximately 12,400 in-home care agencies in the country.
Columbus is home to more than 265 senior care providers and services.
There are more than two dozen in-home care providers in the city.
According to a recent report with the CDC, women are more likely to use in-home care than men.
Women age 65 and older are more likely to require homemaker services than men.
Homemaker services work well for seniors that do well on their own, but may need extra help around the house with chores and meal prep. Homemakers can provide companionship to your loved one while you are away. The hourly rate for a homemaker in Columbus is $20 on average. To employ a full-time homemaker, the annual rate is $45,760.
If your loved one is in need of more assistance with activities for daily living (ADLs) or bandage and wound care, a home health aide may be the answer. These aides are certified and typically nurse-trained. A home health aide in the Columbus area earns a median hourly rate of $21. If you hire an aide full-time, Genworth 2015 Cost of Care Survey for Ohio reports that the annual rate is $48,917.
Depending on your loved one’s condition and their ability to do activities for daily living (ADLs) on their own, the types of in-home care will vary. If your loved one needs intensive care and you work outside the home, consider a live-in caregiver. If you have the extra room, then having someone there to help with small medical tasks will help relieve some of the stress you may feel.
You can also hire full-time or part-time caregivers based on your schedule. You can split the hours for part-time aides. If you need the aide to report for a few hours in the morning and again in the evening, many agencies and caregivers will be happy to oblige.
Respite care is available for a few hours to a few days when you need the occasional break or your regular caregiver is on vacation.
There are dozens of agencies in Columbus that provide aides. These aides are trained and insured. The company takes care of all licensing, tax forms, and payroll so you don’t have to worry. Depending on the caregiver, your loved one can receive skilled nursing care while you only have to work with the one agency.
If you prefer not to work with an agency and would rather hire a caregiver, ask friends and family for referrals. Use due diligence to check all references and consider doing a background check on all prospects. The Better Business Bureau may also have reviews and ratings online.
Low income seniors can apply for Ohio’s Medicaid Program either online at Ohio.gov or in person at the local Franklin County Department of Job and Family Services on Northland Park Avenue.
Long-term care insurance policies will cover in-home care. If you are a veteran or the surviving spouse, you can apply for the VA Aid and Attendance pension. This benefit covers in-home care and you may be able to hire a family member to provide care. Check with the Veterans Administration office to see if you qualify.
Other options include cashing out life insurance policies early, taking out a reverse mortgage, or using funds in IRAs or trusts. Speak to an elder-law attorney before committing to any of these options as each one has its own set of ramifications. Ask about other options available to pay for in-home care in Columbus.
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